If you read my “I Got Mugged In Istanbul” blog you remember that my bank accounts were seriously compromised because I used a public computer in Istanbul to check my account status after being mugged.

Here is an excerpt from an article I just read on this very subject entitled: “7 Surefire Ways To Become and ID Theft Victim” by Sheyna Steiner (to read this article click the link above)

For maximum risk, commit the computing equivalent of licking a handrail in a New York City subway station and do some online banking on a public computer — like the one at the library or a public cafe. Bonus points are added if your Social Security number is your user ID for any transactions.

Evidently, I did the equivalent of licking a handrail in a New York City subway station. That analogy just makes me want to gag!!!!

This is an informative and well written article with some humor thrown in. You may be amazed at how often you put yourself at risk. Can you answer yes to any of the following questions:

1. Do you use a wireless network in your house?
2. Do you mail out checks for bills from your mailbox?
3. Do you carry your Social Security card in your wallet or purse?
4. Do you ever give personal information via email?

If you answered yes to any of these question, do yourself a huge favor and read the article. I thought I was totally educated on protecting myself from identity theft and I learned a lot.

For every defense we take to protect ourselves, identity thieves are counter attacking. It’s a freakin’ war!!!

Ms Sparky

When Cal and I were working in Baghdad we took the opportunity to take our R&R’s in places we had always wanted to visit. We spent our first R&R in Cairo, Egypt riding camels and exploring the pyramids at Giza. We had decided we were going to spend our next R&R in Phuket, Thailand. When Phuket was hit by a devastating tsunami in December 2004, we decided to go to Istanbul, Turkey instead.

Istanbul (aka Constantinople) is a very old and beautiful city. There are an abundance of attractions such as The Topkapi Palace, The Hagia Sophia, The Blue Mosque, The Grande Bazaar, The Spice Market and The Orient Express to name only a few. The museum at Topkapi Palace was my favorite. It is the home of the Spoonmaker Diamond (aka The Kasikci Diamond). A single 86 carat stone surrounded by 49 individual stones (see photo) That would look soooo good on my finger!!

Unfortunately, Istanbul is also the pickpocket capital of the world.

I have traveled all over the world and have never encountered a problem. I would like to think I conduct myself in such a manner that doesn’t scream “I’m a tourist….rob me….mug me I won’t even resist”. I would prefer to think I project the image of “Mess with me and I will kick your freakin’ ass!!!” Well, the pickpockets and muggers in Istanbul will not be intimidated.

We were at the Spice Market and I was drooling over a table of cashmere scarves. The market was very crowded, I suspect full of pickpockets. All of sudden I was pushed and held face down on a table full of cashmere. I could feel the hand in the middle of my back. My bag, which was a courier style, worn across my chest, in the front, closed and zipped, was being pulled back. I heard the zipper and in all of two seconds, it was all over but the cryin’. I had been mugged. The muggers disappeared into the crowd with my wallet, cash, bank card, credit cards and passport.

It all happened so fast I was stunned. It took me a minute to realize the grave reality of what had just happened. I felt so victimized and violated. I WAS INFURIATED!!!! I found my husband and we went to the first police officer we could find. I told him what happened and he gave me that “You and 1000 other people, nothing I can do” look. It was so commonplace the police officer didn’t even blink an eye. I am doing my best to not cuss in this blog, but I am here to tell you there was a whole lot of cussin’ going on in Istanbul!!!

Now I had to contact my bank, credit card company and the US Consulate. This all happened late on a Thursday afternoon. We were flying back to Iraq on Saturday morning and I didn’t have a freakin’ passport!!! I had one business day to get a passport from the US State Department. What are the odds of that happening?

This is just too long for one blog. To be continued tomorrow.

Ms Sparky

Continued from “I Got Mugged In Istanbul-Part 1-See Below

Fortunately, Cal had enough taxi fare to get us back to our hotel where there was an internet cafe. I needed to contact Wells Fargo Bank so I logged into my Wells Fargo account. I checked my accounts and and after several tries was able to contact Wells Fargo via the “International Number” and cancel my cards. It would appear I had acted quickly enough and had averted any potential damage to my accounts. So I thought.

I then contacted the US Consulate. I was so afraid I was going to be stuck in Istanbul for weeks without a passport. But, do to the large number of US Citizens needing replacement passports, the US Consulate in Istanbul is one of the few in the world that can make you a temporary passport “while you wait”.

I didn’t sleep well that night. I just replayed the mugging over and over in my head. What could I have done differently? How could I have prevented this? Why was I targeted? Who knows, but being the victim of anything is just not OK with me.

The next morning we headed out bright and early to the US Consulate across town. There was a shop owner right across the street that took passport photos….how convenient.

As we crossed the street and headed for the Consulate it occurred to me….”I think Gloria worked on this project!” For a brief moment, I forgot about being mugged and was thinking about the time I worked with Gloria in Kansas. She is a journeyman electrician as well and a damn good one. She told me she and her husband had worked on the new US Consulate in Istanbul and how much she loved living there. This must be it. I started looking at the building from and electrician’s perspective. It’s was a beautiful building. “Nice job Gloria!” Gloria is by far one of the best “tool buddies” I’ve ever had and I really enjoyed working with her.

The staff at the Consulate was very helpful and efficient. Obviously, they had done this many times. They told us that Americans are the primary targets. We tend to carry more cash and credit cards. They average ten replacement passports per day. I asked her what the chances were of having my passport recovered and returned. She said Zero. I was so disappointed. I had my Antarctica stamps and South America Visas in there. Whatever!!! Damn thieves!!!

I was issued a temporary passport, good for one year and a letter to Turkish Customs written in English and Turkish explaining why I didn’t have an “entrance visa” in my passport. This took all of an hour and was relatively painless. I spent the rest of the day packing and ranting about my experience. Although he appeared very supportive and didn’t say anything, I’m sure my husband had to be thinking “Just Shut Up!!!! Enough already!!!! Get me back to Iraq!!!!”

The next day we went to the airport, checked our bags and headed to Customs. We had done this many many times. You stand in line, the Customs agent looks at your passport, stamps it and you move on. No fuss, no muss!! Well, after standing in line for what seemed like hours, I get to a customs agent. He looks at my passport and letter and says “What is this? Where is your entrance stamp?” I said, “Read the letter.” They must get hundreds of these letters each month and he is looking at it like he’s never seen one before. Again he’s says, “Where’s your stamp?” Now I’m getting aggravated and with a raised voice and somewhat of an attitude I tell him “There is no stamp. I was mugged. Read the letter!!!!” I look back at my husband standing in line behind me and he is giving me the “Shut up. You are going to get arrested” look (I get that a lot). Now, there are three customs agents looking at my passport and letter and talking amongst themselves. FINALLY, my agent comes back…..stamps my passport….with added enthusiasm, shoves it back across the counter and gives me that “Get the hell out of Turkey” look. “GLADLY!!!”

I didn’t relax until our flight left the ground. I thought customs might just come to our gate and get me. Our flight was uneventful. We made it back to Dubai and then Baghdad. It was about five days from the time I got mugged until I got back to my office. Just to be on the safe side, I wanted to contact the credit bureaus and put fraud alerts on my credit reports. I also wanted to check my bank accounts and make sure they were OK. When I logged into my bank accounts I was stunned. Thousands of dollars were missing. I called my husband just to make sure he hadn’t bought something big without mentioning it. He said “No!”. I started going through our accounts. Huge checks were being sent out to someone in New York. I was enraged beyond words. Do not mess with my family or my money (and it’s not always in that order). I contacted Wells Fargo. They closed my accounts and put stop-payments on the checks. I was soooo lucky none of those checks had cleared.

Here’s what I think happened. After I got mugged in Istanbul I went to an internet cafe and logged into my account. They must have had a “keystroke logger” on the computer. It captured my bank name, user ID and password. They went into my account, then went into my BillPay and set themselves up as a payee. Then they wrote themselves checks to the tune of thousands. They almost cleaned out my savings. Had I been gone a few days longer, I could have lost it all.

Other than magor aggravation, I came through this unscathed and within four days Wells Fargo had opened new accounts and returned all our money. I learned a very valuable lesson. I NEVER NEVER NEVER log into my bank accounts using a public computer. A keystoke logger can be installed on any public computer and you wouldn’t even know it.

I wasn’t working in a hell hole war zone, away from my friends and family so some freakin’ thief could rob me blind. I hate thieves. If I have to work for it, they have to work for it. I’m not going to make it easy for them.

Well…..that’s “The Istanbul Mugging Story”. I know this was kind of long for a blog, but I couldn’t get it any shorter. I’ll try to do better.

Ms Sparky

Since Tiffany has been down (prison lingo for incarcerated) now for about 2 1/2 years we thought it was time to get a copy of her credit reports and see what the damage was. I figured she’s not that old….how bad could it be? And because your FICO score is tied to just about everything…employment, insurance, apartment rental, I thought it’s best to get it squared away now.

I have an account at FreeCreditReport.com (love it) so I signed her up as well. Oh My God!!!! Not only was there Identity Theft (on her), bogus accounts (not hers), there was nearly $6000 worth of traffic tickets.

$6000 WORTH OF TRAFFIC TICKETS!!!! What the hell. What a damn waste of money. For someone who has never had a traffic ticket (me) it’s like throwing your money out the window. The thought of turning my “run to the store” into a $250 or more trip, all to gain 5 or 10 minutes is incomprehensible. It’s makes that gallon of milk real expensive.

Granted, $1800 worth of those tickets is due to identity theft and we have hired an attorney to take care of that. But the rest are legit. They are hers.

I just don’t understand wasting that kind of money of traffic fines.

If you have that kind of extra money….send it to me. I can make better use of it than the State.

Do you know what your FICO score is? If you haven’t looked at your credit report lately, you may be amazed at what’s on there.

I will be blogging more about fixing Tiffany’s credit reports. I am getting to be quite the credit report pro. Feel free to ask me questions.

Ms Sparky